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Risk Free CD®. Annual Percentage Yield (APY) is accurate as of 07/31/2015 and applies to the initial term of a new Risk Free CD®. Risk Free CD®s have a 9-month term. We may change the interest rate and APY at any time without prior notice. The minimum balance required to open a Risk Free CD® is $5,000. We may limit the amount you deposit in one or more Risk Free CD®s to a total of $1,000,000 ($250,000 for CDs opened through bankofamerica.com). With a Risk Free CD®, we will waive the early withdrawal penalty after the first six days of the account term (or the first six days following any partial withdrawal). Alternative terms are not allowed. Fees could reduce earnings on the account. Additional restrictions may apply.

2.

Featured CD. Annual Percentage Yield (APY) is accurate as of 07/31/2015 and applies to the initial term of a new Featured CD. Featured CDs have a 12-month term. We may change the interest rate and APY at any time without prior notice. The minimum balance required to open a Featured CD is $10,000. We may limit the amount you deposit in one or more Featured CDs to a total of $1,000,000 ($250,000 for CDs opened through bankofamerica.com). Alternative terms are not allowed. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal. Additional restrictions may apply.

3.

Standard Term CD. Rates differ based on CD term and balance. Annual Percentage Yield (APY) is accurate as of 07/31/2015 and applies to the initial term of a new Standard Rate CD. We may change the interest rate and APY at any time without prior notice. The minimum balance required to open this CD is $1,000. We may limit the amount you deposit in one or more CDs to a total of $1,000,000 ($250,000 for CDs opened through bankofamerica.com). A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Additional restrictions may apply. For more information view our Standard Term CD Rates.

4.

With a Risk Free CD®, we will waive the early withdrawal penalty after the first six days of the account term (or the first six days following any partial withdrawal).

Advertising Practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have.

If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. These ads are based on your specific account relationships with us.

Advertising Practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have.

If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. These ads are based on your specific account relationships with us.